Apply for the Citi Signature Qantas Credit Card and receive 90,000 Qantas Points when you spend $4,000 within 90 days from approval. Plus, enjoy no annual card fee in the first year (normally $395), with an annual $49 fee for the Citibank Qantas Rewards Program.

Reward yourself with a complimentary Priority Pass membership with two airport lounge visits per year.
$75,000 min Income

@sssbp: This never works, and yet I see it recommended in every thread. Here's what they'll do:

They'll refund it to the original card it was purchased on. They will not negotiate on this, as they aren't in the business of assisting with potential credit card fraud (what basis would they have to protect themselves if they did this and the original card filed a chargeback?)

The only other option you'll get is a refund as a credit. So you'll still have spent the money.

Why the hurry? You have a year before the annual fee is charged.
Spend the 4k within 90 days, get the refund and the points, then cancel the card. Don't think it'll take you more than a year to do that before you cancel the card.

@Oliver: Oliver, it is pretty simple, so I'm not sure what you are missing.

Example:

Book flights for say Feb 2020 in Jun 2019, bonus points land Aug 2019. Immediately cancel card and cancel flights. The refund will still go through. Ask bank to either send you a cheque or bank transfer (depends on the bank).

@Heybargain: If you are a true ozbargainer, there is definitely a hurry. You want to cancel ASAP, so you become eligible ASAP to get points again on another good Qantas card deal. I have read that Qantas cards need an 18 month grace period from cancellation before you are eligible to receive points again.

Edit: Actually, I might be misinformed. Can someone clear a couple things up for me? Firstly, are Qantas cards 12 months or 18 months grace? Secondly, does the countdown begin from when you first got approved, first applied, or when you cancel?

@NoApostrophePlurals: It’s per provider (Citibank, anz, st george etc).
So some cards won’t allow you to sign up for bonus points within a 12 month period if you’ve had one. Similar to the anz qff ones that come up regularly here.
Not sure what the case is for the Citibank one, but I’m sure someone has already found out

Just buy $1000 Wish gift card and use it for your grocery shopping. You even earn points on it and if you're QFF member, you'll earn an additional 3 points per $ on Woolworths spend, so you'll basically get 4,000 points for this.

Hi guys, do you know what's the definition of "New" customers for Citibank? does not seem to be clearly spelled in their terms and conditions. (I cancelled my previous citi reward signature card sometime last year)

I'm interested as well. I've been holding on to my free for life family and friends citibank card - with my wife as an extra card holder. If she's not considered a n existing customer then I might apply for it in her name.

for most of Australian banks, your wife should be considered as a new primary cardholder and eligible for bonus offer. But this is CITIBANK we are talking about…. we might want to get the final ruling from citibank on this.

@Snug17: @Snug17 No idea, sorry. I can't find anywhere that stipulates what related cards could make someone ineligible or even that there is a mandatory waiting period if holding a same/similar card previously.

I only cancelled the a no fee for life freebie one from a few years back because of the ridiculously high min credit limit and crappy earn rate. I didn't qualify for a signature back then, but I'm guessing the Platinum would be the same category of card so probably excluded.

Just contacted them on livechat and asked about having a card with them previously and having cancelled last year (8-9 months ago).

REP:
To be eligible to apply for the Qantas Signature Rewards credit credit card you must: be at least 18 years of age; have a good credit rating; earn a taxable income of $75,000 or more and be an Australian permanent resident.Brandroid:
so no limitation about holding citi cards previously?REP:
No, Brandroid. Please note all application will still be for bank review and approval.

@Brandroid: Just to follow up. I went online and contacted live chat regarding eligibility when you have a Virgin Money or Qantas Premier card

ME: I currently have a Virgin Money Card (that is a Citibank product I believe). Am I still eligible for the $$0 fee
and the 90,000 bonus Qantas points (provided i spend $4k within 90 days of approval)

REP: Yes, you are. Thanks for the interest in applying.

REP: I understand that your query could pertain to the statement saying it has to be your first Citi Card with us.

REP: Thanks for acknowledging that we're the card providers for both products but each brand are considered
separate. It would technically be your first card with Citi.

Potentially silly question - does anyone happen to know if the overseas transaction exchange rates and charges to use overseas on this are comparable to the Citibank Plus account? Currently running a 28 Degrees Card for international but if I can accrue points I will…

No. The Citibank Debit Plus (if what is what you meant) charges no currency conversion fees or overseas ATM fees. The Signature card charges 3.4% fees for foreign currencies or AUD if the merchant is overseas. I have no "no fee for life" signature card, and never use it overseas (I use Bankwest Zero Platinum for that (free), plus a Debit Plus card for ATM withdrawals (also free) ).

@neilpatrickharris: How it's possible to get declined with one 15k card on that income is beyond me. Yet every reasonable credit card deal there's some people with decent incomes and low debt who get declined. If you haven't already I'd suggest signing up for the free credit monitoring services (personally I think credit savvy seems the nicest). If that report all looks good & correct, and you have a decent credit rating (e.g. less than 4 cards applied for in past year, and rating higher than 770) then the cynic in me wonders if they must be certain you'll pay it all off and are refusing you for that reason.

@nickj: I do have credit saavy and have been using it for the past 4 years. My rating is 814. I think the reason I'd get rejected is because my file shows that I've never had a late payment on any card. If that's the case Citi won't make any money off of me. They need people who make minimum repayments and not pay balances off in full.

Just applied for the St George Amplify Signature last night, got approval today. 80k bonus points, with $4k spend in 90 days. 0.75 points per dollar spent. Higher first year annual fee, lower following years.

As an Ozbargainer, I'm finding the $179 annual fee hard to stomach. Especially when the last time I paid an annual fee (for a Qantas card), St George discounted their's to $0 a few weeks later. Any secrets or did you pay the $179 annual fee?

I will pay the $179. I currently have a CBA Platinum Awards with $249 annual fee, which I will cancel. Honestly I have had that card for like 10 years, and never thought of changing. Now with plans to go to Europe next year flying Emirates, QFF points seem appealing.

I think I had the cba platinum card. Iirc, they didn't have a foreign exchange transaction fee, so I found that useful when I traveled overseas in 2017. You should check if your new card charges the fee.